Vernon Hill | Chairman |
Frank Cavallaro | EVP & CFO |
Harry Madonna | CEO, President & Director |
Andrew Logue | President & COO |
Frank Schiraldi | Sandler O'Neill |
Michael Perito | KBW |
Welcome to the Fourth Quarter 2018 Earnings Conference Call. My name is Sherrill and I will be your operator for today's call. At this time, all participants are in a listen-only mode. Later we will conduct a question and answer session. [Operator Instructions] Please note that this conference call is being recorded.